The North Carolina Tar Heels take on the Charlotte 49ers in Charlotte, NC. Kickoff is set for 7 p.m. ET on ESPN+.
UNC is favored by -12.5 points on the spread with a moneyline of -470. The total is set at 49.5 points.
Here’s my UNC vs. Charlotte prediction and college football picks for Saturday, September 6, 2025.
UNC vs Charlotte Prediction
- UNC vs. Charlotte Pick: Charlotte +14.5 or Better
My Charlotte vs UNC best bet is on the 49ers to cover. Find the best line available on our live NCAAF odds page.
UNC vs Charlotte Odds
| UNC Odds | ||
|---|---|---|
| Spread | Total | Moneyline |
-13.5 -110 | 49.5 -110o / -110u | -500 |
| Charlotte Odds | ||
|---|---|---|
| Spread | Total | Moneyline |
+13.5 -110 | 49.5 -110o / -110u | +375 |
- UNC vs Charlotte point spread: UNC -13.5
- UNC vs Charlotte over/under: 49.5 points
- UNC vs Charlotte moneyline: UNC -500, Charlotte +375
UNC vs Charlotte Pick, Betting Analysis
Charlotte looked horrendous in Week 1. The 49ers should've lost by 50 in all honesty.
The same can be said for UNC. The Heels did absolutely nothing after the opening drive of the game in an embarrassing home loss.
It's challenging to gauge just how poorly these teams — with brand-new rosters, quarterbacks, and coaches — may perform compared to preseason expectations after just one week.
Still, both appear to have many more questions than answers.
I downgraded UNC close to a touchdown. Could I be way off? Certainly.
I also may not have downgraded Charlotte enough.
However, I'm willing to pay to make UNC prove it can win by more than two touchdowns after what I saw last week, especially in a brutal situational spot.
While Charlotte played on Friday night, giving it an extra day of rest and preparation than usual ahead of this game (which is even more critical with a new staff and roster), North Carolina played on Monday night in a game that had a ton of hype and buildup.
How much can Belichick and his staff fix in just four days? Is he in over his head? Was the roster construction completely flawed?
These are all legitimate questions worth pondering after what we saw on the field last week.
Lastly, this is Charlotte's Super Bowl in its home stadium against its in-state older brother with many noticeable leaks to plug on extremely short rest.
I project North Carolina as a -13.5 favorite, so I'd bet Charlotte down to +14.5.
Pick: Charlotte +14.5 or Better
